Scheme money and bank money both start with the same document: a project report whose numbers survive scrutiny — cost of project, means of finance, DSCR, and the scheme-specific annexures evaluators tick. This engagement writes reports that get read past page three.
| Item | Position |
|---|---|
| One rule | Projections must reconcile with returns and registrations already on record |
| Formats | Schemes are format-fussy — the right template is half the acceptance |
| DSCR | Lenders read it first; it is modelled honestly with sensitivity |
| Outcomes | Sanction and subsidy decisions belong to banks and agencies — never assured |
The project report/DPR with annexures, the assumptions note, reconciliation bridges to filed records, and query responses.
KYC and registrations (Udyam etc.), financials/returns where existing, quotations for machinery/assets, and the real plan.
Quotations and plan realism come from the promoter; committees and credit teams decide on their own clocks.
Liaison beyond professional representation, and any arrangement contingent on “managing” approvals — not offered, ever.
Can you make the numbers fit the scheme?
The numbers are made honest and the scheme chosen to fit them — the reverse fails at appraisal or, worse, at inspection after disbursement.
Which schemes are worth our time?
The eligibility map names your realistic fits and the long shots — applying everywhere is a cost, not a strategy.
Bank says “bring a CA-prepared report.” Is that this?
Yes — and for working-capital limits specifically, the CMA data engagement is the companion piece.
How fast can a DPR be ready?
With quotations and records in hand, days — the calendar-eater is usually the promoter’s documents, so the checklist arrives on day one.
The applicable scope, documentation, professional responsibilities and timelines are agreed in an engagement letter before commencement.
CMA DataUdyamBooks & FinancialsRequest a Scope DiscussionThis page describes the service in general terms as on 6 August 2026 and is not professional advice or an assurance of any outcome. Registrations, filings, refunds and departmental outcomes depend on facts and the concerned authority. Figures and due dates change; verify current positions before acting.
| Compliance | Due | Note |
|---|---|---|
| FLA return (RBI) | 15 July (annual) | All entities with FDI/ODI on books |
| FC-GPR | 30 days from allotment | For fresh foreign investment |
| Valuation report (Rule 11UA / FEMA) | Before issue price is fixed | Method and valuer depend on route |
| ESOP: board/valuation/PAS-3 chain | Event-based | Perquisite TDS on exercise |
| DPIIT recognition | Anytime (before benefits) | Needed for 80-IAC and angel-tax relief |
Dates as generally applicable on 15 July 2026; extensions/notifications can change them — confirm current dates before relying.
Loan/scheme target and eligibility checked.
Report drafted, numbers reconciled.
Filed with the right annexures.
Queries answered with workings.
Have questions about this service? Contact us for a free consultation.
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